I know, I am verrrry late in getting this regular Monday feature to you. What can I say, I’ve been on the fritz lately. But better late than never!

Five Cent Nickel urges you to use your emergency fund to get rid of credit card debt

Kiplinger’s says these are the signs your kid is ready to get his/her own credit card. (Come February folks under the age of 21 will need a c0-signor or have proof of income to get a credit card.)

Man Vs. Debt says simplifying your finances is addicting – but allows you to dominate your money.

Common Sense Money says Amazon has free e-books for folks with an iPhone or a Kindle.

The Digerati Life lays out the pros and cons of debt settlement agencies.